*********** bunch of capitec workers

extremely annoyed.. i have a loan by capitec..after covid my pay was reduced..contacted them as i have insurance on the loan and in the contract it states if loss of income..payments will be made for 12 months. so i put in the claim only receiving feedback back 6 months later after me going to the bank sending emails not over exaggerating about 50 times me following up not them following up with me re sending documents about 20 times( while awaiting and doing this my loan was becoming in arrears ) almost a year later to get told they only paying our for 3 months because I received uif. (which wasnt even a quarter of my pay and way less than the loan installments( them being a bank and working with digits i thought they would have the mentality to calculate but obviously not)..then making arrangements of paying what i can..a few months later paying paying the normal installments some months a tad bit more only makimg arrangements to pay manually and on the 2nd instead of the 26th..loan amount started getting less and arrears..one month arrears gets less then next month after payment made its less but then two days later arrears amount is more than what it was when i payed..like *** can anyone explain no when i email or go in its always speakimg or seeing a different consultant(p.s wonder why they change consultants like this)..its always we will phone collectors department and get back to you but never do i always have to follow up..i feel hapless irritated extremely angry..and will now change my bank get my whole family work people and friends that bank by them to know what they do and also change banks as this problem seems to never get resolved and just turn in circles...